Sleep Apnea is a serious sleep disorder whereby a person’s breathing is interrupted during sleep. If left untreated, sleep apnea can result in a growing number of health problems including high blood pressure, stroke, heart failure, diabetes and depression. Naturally, this condition is a concern for underwriters. Here’s...

One of our A+ carriers recently changed their guidelines regarding family history. They no longer consider family cancer histories as an adverse underwriting factor. This means a client with a family history of cancer can still qualify for all of the Preferred rate classes. However, one exception would...

Are you having difficulty with those Table B to C rated offers on your single impairment cases?  One of our A+ carriers has an underwriting program that can help improve offers for your client’s with certain impairments, both medical and non-medical, provided no other conditions apply. Here are some...

Chronic Obstructive Pulmonary Disease, or COPD, refers to two types of respiratory illnesses – chronic bronchitis and emphysema. COPD is characterized by obstruction to airflow that interferes with normal breathing. It is the third leading cause of death in America and smoking is the primary risk factor....

Atrial Fibrillation (AF) is one of the most common heart rhythm disorders (arrhythmia) and its prevalence increases with advancing age. AF usually involves a rapid heart rate, in which the upper chambers of the heart contract in an abnormal and disorganized way. Underlying causes of AF include dysfunction...

We all know that placing a rated case can be a challenge.  One of our A+ carriers has a special reinsurance program that has been helping to meet that challenge on a number of different medical impairments and non-medical risks.  This program helps to get eligible cases that are rated Table B or C improved...

It’s an unfortunate truth that cancer touches everyone and you will most likely have clients who have battled cancer in one form or another.  The good news is one of our A+ carriers devotes great effort to keeping abreast of progress in cancer research. This allows them to enhance their underwriting...

The CPS Underwriting Department can help you make the sale for your clients whose weight is an issue.   One of our A+ carriers takes an aggressive approach to underwriting build cases. Some case examples that may surprise you: A man who is 6’ 0” and 324 pounds could possibly qualify for Standard...